TD_USCommercial Bank
Latest TD Bank USA Interest Rates - September 2026
TD Bank, N.A. (TD_US)
1-Year CD: 3.25% Mortgage APR: 6.63% Prime Rate: 6.75%
Interest Rate Summary
TD Bank USA Interest Rates & Loan Products Overview
Quick Summary: Comprehensive review of current retail banking interest rates and consumer loan products at TD Bank, N.A. (TD_US) across the United States:
Key Benchmark & Deposit Rates:
- Reference Prime Rate: Standing at 6.75%, serving as the index benchmark for variable credit cards, home equity lines of credit (HELOC), and personal financing.
- Savings & CDs: Standard TD Simple Savings earns 0.02% APY. Featured TD Choice Promotional CDs offer higher promotional yields of 3.51% APY (9-month), 3.25% APY (12-month), and 3.00% APY (6-month and 18-month) for qualifying balances ($250 minimum deposit).
Consumer Loans & Retail Financing:
- Mortgage Loans: Standard 30-Year Fixed purchase rates start around 6.625% (approx. 6.745% APR), alongside 15-Year Fixed and 7/6-month SOFR ARM options with loan terms up to 30 years, zero prepayment penalties, and a 0.25% relationship discount for customers with an active TD checking account.
- Unsecured Personal Loans (TD Fit Loan): Fixed APRs range from 7.99% to 23.99% for borrowing amounts between $2,000 and $50,000 with repayment terms from 36 to 60 months, featuring no application or origination fees.
- Auto Financing: In the United States, TD Auto Finance operates primarily as an indirect lender via affiliated automotive dealerships rather than providing direct standardized online consumer applications.
- Credit Cards: Consumer credit cards (e.g., TD Double Up and TD Cash) provide 0% intro APR promotions for balance transfers, followed by variable purchase APRs starting at 18.24% (scaling to 28.24% based on creditworthiness) with a 25-day grace period.
💡 Financial Tip: Retail rates, promotional CD APYs, and mortgage pricing can vary depending on local ZIP codes and relationship tiers. Always verify current localized quotes directly on TD.com before applying.
CD & Savings Interest Rates - TD_US
Unit: %/year| Term / Maturity | Branch APY | Online / Digital APY 📱 |
|---|---|---|
| Standard Savings | 0.02% | 0.02% |
| 1 Month | - | 0% |
| 3 Months | 0.05% | 0.05% |
| 6 Months | 3% | 3% |
| 12 Months (Benchmark ⭐) | 3.25% | 3.25% |
| 24 Months | 1% | 1% |
| 36 Months | 1% | 1% |
Featured Loan Products - TD_US
Loan Guide & Terms →mortgageTD_US
6.63% /yr
- • Promo period: 12 months
- • Max loan term: 30 years
- • Max borrowing limit: 80% of value
- • Formula: SOFR + margin
auto loanTD_US
7% /yr
- • Max loan term: 8 years
- • Max borrowing limit: 80% of value
personal loanTD_US
7.99% /yr
- • Max loan term: 5 years
student loanTD_US
6.5% /yr
- • Max loan term: 15 years
Advanced Loan Calculator
Calculate Loan Payments for TD Bank USA
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